Mortgage & Investment Loan Calculators

Estimate monthly payments, project costs, and lending scenarios before taking the next step.

Traditional Loan Calculator

Down payment is entered as a dollar amount.

Home priceDown payment ($)Interest rate (%)Loan term (years)Annual property taxes ($)Annual homeowners insurance ($)PMI percentage (optional %)

Estimated loan amount$360,000.00

Principal & interest (monthly)$2,275.44

Taxes (monthly)$600.00

Insurance (monthly)$150.00

PMI (monthly)$150.00

Total monthly payment$3,175.44

Hard Money Lending Calculator

Final loan amount uses the lower value between LTC and ARV limits.

Purchase priceRehab budgetAfter Repair Value (ARV)Loan-to-cost (%)Loan-to-ARV (%)Interest rate (%)Points (%)Loan term (months)Estimated closing costsEstimated resale price (optional)Estimated selling costs (%) (optional)

Max loan by LTC$187,000.00

Max loan by ARV$224,000.00

Final estimated loan amount$187,000.00

Estimated cash needed to close$45,240.00

Monthly interest-only payment$1,714.17

Total interest cost$20,570.00

Points cost$3,740.00

Total project cost$252,810.00

Estimated profit$72,690.00

Estimated ROI160.7%

Get a Personalized Lending Review

These calculators are for educational estimation purposes only and do not represent a final loan approval, quote, or commitment to lend. Contact Karen Chavez Lending for a personalized lending review.